Maybe there is no collection, but there is probably a mistake.
You know, collection usually comes to your door in two situations. One is that the borrower owes a large amount (tens of thousands or more, don't worry about hundreds of thousands), and the other is that the borrower borrows offline loans, and the loan company is close to the borrower's residence, such as in a community or a city.
What the children's shoe said is in line with the first situation, but in the end it is not wrong. Therefore, it can be concluded that the so-called "collection" seen by friends is just a coincidence, and the collection is to scare borrowers from the beginning.
However, I want to remind this children's shoes that as long as they owe each other money, they will inevitably be scared like this every day. Therefore, it is better to negotiate with the platform as soon as possible to solve the problem.
The best way is to negotiate with the lending institution and pay back the money slowly.
General loan disputes refer to civil legal relations, which are adjusted by civil laws and do not generate criminal responsibility. Therefore, if you owe money to the online lending platform according to the situation described by this children's shoe, you will not go to jail if you don't owe money to the bank.
However, due to the large amount owed to Gitzo platform, it is likely that the other party will take it to court on the grounds of "owing money and not paying it back", and then it is necessary to fulfill the court's judgment.
In addition, children's shoes owe money because they really don't have the financial ability to pay back, not because they have money, which is different from "Lao Lai". If it is "Lao Lai", it is likely to be arrested and sent to prison.
It's annoying to want to pay back the money but not go in.
Faced with this situation, borrowers can first try to contact lending institutions through various channels, and if they can't contact, they can choose to call the police.
Furthermore, there is a common method, which is to complain to the China Internet Finance Association. Whether it is repayment or violent collection, it can be solved in this way.
If the amount owed is not large, it is really unable to repay, and it will mainly face the situation of being collected.
Although the bill payer and the useful installment are not credited, the debt is not paid off, which will still bring great pain to the borrower. For example, different loan platforms will have different collection methods, such as being exposed to the address book, being threatened, and the borrower's photo being sent to relatives and friends by P-picture.
Once the negotiation is unsuccessful and overdue behavior occurs, the borrower is ready to be collected.